💸 Paying Points on Your Mortgage Isn’t Always Smart Paying points to “buy down the rate” sounds good until you do the math. If you don’t keep the loan long enough, you lose money. If you need cash for reserves or repairs, points can hurt you. And in many cases, a temporary buydown or credit works better. The only question that matters: What’s your break-even? As a Las Vegas lender for first time homebuyers, I run the numbers so you don’t overpay for a rate you won’t keep. Haley Hesselgesser, Mortgage Loan Officer Millennium Mortgage Group NMLS #1786240 | NMLS #2690051 Equal Housing Lender For informational purposes only this is not a commitment to lend or extend credit. All loans are subject to credit approval, income verification, and underwriting review. Program availability, terms, and eligibility requirements may change without notice.